Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Consolidated gross profit increased by ¥6,518 million, with funds income up ¥10,207 million, fees and commissions up ¥1,052 million, and other operating income down ¥5,171 million. Credit-related costs improved by ¥1,990 million, and gains and losses on equity-method investments increased by ¥423 million.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Ordinary income | ¥23,312 million (YoY +51.6%) |
| Profit attributable to owners of the parent | ¥18,956 million (YoY +39.2%) |
| Net income per share | ¥136.89 |
| Equity ratio | End of the current fiscal period 5.7 / End of previous period 5.6 |
| Total assets | ¥8,928,229 million |
| Net assets | ¥518,683 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥37,000 million (YoY +36.1%) / Net income ¥27,000 million (YoY +5.0%) |
| Annual Dividend Forecast | ¥91 → ¥100 |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Gain on disposal of fixed assets / Amount ¥0 million / Extraordinary loss Item Loss on disposal of fixed assets / Amount ¥1 million |
| Disclosure regarding the going concern assumption | No applicable matters |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New 0 / Excluded 7 / Company name Aozora Securities Co., Ltd., AZB Funding, and 5 other companies |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Held (participants: Not disclosed) |
| Issued Shares at Period-End | 139,789,418 |
| Treasury Shares at Period-End | 1,300,152 |
| Factors Behind Changes in Business Performance | Consolidated gross profit increased by ¥6,518 million, with funds income up ¥10,207 million, fees and commissions up ¥1,052 million, and other operating income down ¥5,171 million. Credit-related costs improved by ¥1,990 million, and gains and losses on equity-method investments increased by ¥423 million. |
Items this document does not state (17)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.According to the attached financial results materials, consolidated gross profit increased by ¥6,518 million, comprising increases of ¥10,207 million in funds income and ¥1,052 million in fees and commissions, while other operating income decreased by ¥5,171 million. Credit-related costs improved by ¥1,990 million, and gains and losses on equity-method investments increased by ¥423 million. The company explained that the main reason for the change in the scope of consolidation was the reorganization of an overseas SPC that acquired and held loans to North American borrowers.